Is an AAA Membership Worth It?

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AAA memberships come with a lot more perks than just roadside assistance—but you might be able to find cheaper coverage through your car insurance provider.
Do the benefits of an AAA membership really outweigh the costs?
Ultimately, this will depend on you. If AAA doesn’t feel like the right fit, there may be a solution right under your nose. The insurance broker and comparison app Jerry now offers a competitive Roadside Assistance Membership program to ensure you’ll get the help you need should anything go wrong on the road.
But like any good broker, Jerry has compiled everything that you need to know about AAA so you can find out if a membership plan is right for you.
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How much does AAA membership cost?

AAA provides its members with various perks and discounts but it is best known for its roadside assistance program.
AAA is technically not a single company but rather a federation of motor clubs. This means that each separate AAA club will offer up the same membership tiers and membership benefits. At the same time, membership costs will vary between states and counties.
You can generally expect to pay somewhere in the ballpark $40 to $80 per person annually for the base-level AAA membership. Higher-tier benefits could come with a yearly price tag of up to $165 a person.
You will still benefit from the roadside assistance program no matter what membership tier you choose. Higher tier members will get more free service calls in a year.

Auto discounts

Roadside assistance might be a standout perk of an AAA membership, but it isn’t the only AAA membership discount.
AAA offers up a very diverse range of auto-saving potential. Just keep in mind that their availability might vary according to the state you live in and the membership tier you choose.
Here is a sampling of some of the auto discounts you can benefit from through your AAA membership.
AAA Discounts
  • Locksmith service discounts
  • CARFAX report discounts
  • Windshield repair or replacement discounts
  • Rental car and moving van discounts
  • Battery purchase and installation discounts
  • Auto partner discounts for AAA-approved auto body and repair shops
  • Oil change discounts

AAA membership tier benefits

AAA includes the following membership benefits for each of their membership tiers, regardless of state or region.
AAA Classic Tier: $38 - $74/year
  • Dead battery services
  • Fuel services
  • Flat tire services
  • Car lockout services ($50 limit)
  • Towing services of 3-7 miles each (max of four per year)
AAA Plus Tier: $60 - $124/year
  • All Classic Tier benefits
  • Free fuel delivery services
  • Car lockout services to an increased limit of $100
  • Towing services up to 100 miles each (max of four per year)
AAA Premier Tier: $77 - $164/year
  • All Plus Tier benefits
  • Car or home lockout services (increased limit of $150)
  • Towing services up to 100 miles each (max of three per year)
  • Towing services up to 200 miles (max of one per year)
  • Free one-day car rental with tow
  • Trip disruption coverage ($1500 limit)

AAA auto insurance

If you are looking for affordable auto insurance, an AAA membership might be worth the investment. However, there are a few important things to consider before turning to AAA for your next car insurance policy.
The first thing to keep in mind is that AAA auto insurance is only available to AAA members. If you don’t have an AAA membership, you can’t take out an auto insurance policy through AAA, so it might not be worth it to shell out the extra membership fees.
The second thing to note is that AAA insurance rates will vary from club to club. Some AAA clubs work with national, regional, or local providers to AAA member rates. Other clubs will function more like local insurance agents, connecting you to insurance providers in the area.
The only way to get an idea of how much you might be able to save by purchasing your car insurance to AAA is to call up a local branch to find out more.
If you want to save yourself the hassle of calling around, just use Jerry to find the cheapest insurance rates instead.
An intelligent AI-based tool like Jerry is the easiest and most effective way to find a car insurance policy customized to you.
After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. So why do all that extra work when Jerry can do it better?

Other opportunities to save

AAA is an auto club but the benefits don’t stop at auto discounts.
Here are some of the other opportunities to save that you can take advantage of when you subscribe to AAA:
AAA non-auto saving opportunities
  • Retailer discounts
  • gift certificates and sit-down restaurant discounts
  • Online food and drink discounts
  • Travel discounts
  • Financial service discounts
  • Passport photo, notary service, and identity theft protection discounts
  • Pet supplies discounts

AAA alternatives

If you are looking to save money on roadside assistance, there are AAA alternatives that might offer up more affordable plans.

Credit card companies

If you have a credit card, there is a good chance that you already have a pay-per-use option for roadside assistance at your fingertips. If you drive infrequently or have a low risk of getting stranded, pay-per-use roadside assistance could make more sense financially.
Many premium travel rewards cards come complete with free roadside assistance. Be sure to check the terms of your contract to make sure you aren’t doubling up on roadside coverage.
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Cell phone companies

Popular cell phone providers will often offer roadside assistance services for five dollars a month or less.
You might find the monthly billing cycle more manageable than the lump sum annual payment that you have to shell out for AAA. If this is the case, be sure to check in with your cell phone provider to see what options are available.

Car warranty protection

Some major car manufacturers automatically include limited roadside assistance protection with the purchase of a new vehicle.
You can also talk to your dealership to discuss what roadside assistance programs they offer through their extended warranty programs.
Even if you don’t have a warranty on your vehicle, some manufacturers might allow access to the service for a fee.

Auto insurers

Most major insurance providers offer optional roadside assistance programs that you can add to your regular car insurance policy.
In fact, purchasing your car insurance through your car insurance company is often much more affordable than an AAA membership. Most major insurers will provide comparable roadside assistance coverage for less than $20 a year.
Even better, you can use Jerry to shop for your insurance, so you don’t have to.
If you’re looking for a new insurance company, Jerry can provide you with competitive quotes in under a minute. Swapping is just as effortless. Jerry takes care of all the paperwork, phone calls and even cancels your old policy on your behalf — oh, and it’s free!

Jerry’s Roadside Assistance Membership program

Besides providing car insurance quotes, Jerry now offers a roadside assistance membership program featuring emergency lockout assistance, Uber credits with towing services, up to four covered roadside events per year, and more, if you still aren’t sure if AAA is for you.
Jerry’s emergency roadside assistance offers a slew of services to set things right, in case you find yourself and your car in the lurch. You’ll have emergency jumpstarts, fuel delivery, tire changes, and vehicle towing up to 10 miles (and more), at your fingertips if the need arises.
The exclusive benefits aren’t too shabby either. If your car needs to be towed, you’ll get up to $25 in Uber credits to help get you where you need to go. Not to mention up to $100 for key replacement, and up to $100 in tire repair per incident, amongst other perks, to help ease the financial pain of any roadside issues.
With Jerry roadside assistance, up to four roadside events are covered under your plan, but with any luck, you won’t have any issues while driving. Just peace of mind (and great roadside coverage) in the event that something does go wrong.

Is AAA really worth the price?

At first glance, an AAA membership could easily seem like a worthwhile investment. After all, roadside service calls can be incredibly costly, and $40 - $165 a year seems like a small price to pay for peace of mind when out on the open road.
If you are looking to take advantage of all the other perks and discounts you can access through AAA, then an AAA membership could be a good choice. However, purchasing AAA might not be the best way to save on roadside assistance coverage alone.
If you’re looking for the perfect roadside assistance program and big savings on your car insurance, download Jerry.
Using Jerry is the best way to make sure that you are always getting the best rates possible. Jerry gathers affordable quotes, helps switch plans or providers, and even cancels your old policy.
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